This reader had a question about avoiding the Government Pension Offset for as long as possible.
Enjoyed your informative article (“Your Social Security and Retirement Benefits”) in the latest issue of ATPE News magazine.
I am an ex-serviceman (24-year career, US Army), currently a teacher, and will not be affected by the WEP when I retire and begin collecting my TRS pension.
I do have a question about the GPO: Can a spouse who is paying into TRS, not retired, and at FRA (under Social Security rules) apply for a spousal support benefit (under SS) when her husband who is at FRA applies for SS benefits?
I like this kind of question. It makes me think!
What I’m pretty sure you’re asking is this: If you are not receiving your pension from non-covered work, does the Government Pension Offset apply?
The simple answer is…NO!
If you are still working and your spouse has filed for benefits, you can file for and receive a Social Security benefit that is not affected by the Government Pension Offset. Enjoy it while it last. Once you retire, your Social Security benefit will get reduced by 2/3 of the amount of your TRS pension.
A note for all readers.
Over the past few years, I’ve found that most Social Security questions can be answered with an understanding of just six simple Social Security basics. I cover these basics in a 100% free report that you can download by clicking HERE.
If you still have questions after reading this report, send me an email. I can’t promise that I’ll respond individually, but I love interacting with my readers and answering Social Security questions! The questions and answers that’ll have priority are those that may benefit a wider audience. I’ll answer the question individually and then publish the Q&A on my blog. (Don’t worry, I’ll change up enough personal details so you’ll stay unknown.)
If you want to make sure I answer your question, I am still accepting individual consultations. You can click HERE for more information on booking a call with me.
Thanks for reading!